Sunfish, you should stick to text books , your constant self inflated opinions really drive me nuts.
I am not a gambler and your suggestion that we start playing poker with our finacial situations really is amazing.
Your lack of grasp of normal working people shows you are probably a retired Toorak or Vaucluse, or Peppermint Gove resident who has no grasp of the working man , all you seem to do is quote text books and accuse of FUD etc.
This is real life, not a text book, and i wont gamble my house on what if scenarios.